Food & Restaurants · lender intelligence
How to finance a First Watch in Florida
The SBA 7(a) lenders funding the most First Watch deals in Florida, from public loan records — typical First Watch loan about $1.0M. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance First Watch in Florida
$1.00M
Typical loan
range $1.00M–$1.00M
$1.11M
Est. purchase price
≈ loan ÷ 90%
$152,361
Cash to close
$111,111 down + fees
$12,940/mo
Typical payment
~9.5% · 10yr
$178,572/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
47 days
Typical time to fund
1
Lenders competing
more = leverage
6.75%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with First Watch in Florida
Ranked by funded First Watch loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
No directory lender has enough First Watch loans in Florida to rank yet. See First Watch lenders nationwide →
1+ funded First Watch in Florida deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Ramsey 04, LLC in Santa Rosa Beach, FL — $1.0M (2020) · Florida Capital Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 126 months
- SBA guaranteed
- $750K (75%)
- Approval → funding
- 47 days
- Approved
- 2/13/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (8/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 55
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Florida Capital Bank, National Association
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Buying a First Watch in Florida? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded First Watch loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a First Watch purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. CapBench is not a lender.
- $1.0M typical First Watch loan
- 1 lenders active in Florida
- 1+ funded Florida deals
- 47 days typical to fund
Buyers buying a First Watch in Florida typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.